overdraft, advance salary loans, product finance and merchant finance, with flexible tenures and repayment options. The service uses an in-house risk engine and data from credit bureaus and user-provided information to assess eligibility and set credit limits. Customers manage applications, view loan histories, and make repayments, primarily via UPI, within the app. The company positions its platform for a wide range of personal funding needs, including expenses such as travel, education, medical emergencies and household costs.